Pinky Sithole 💗
@pinkysithole17
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Following
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Saver • Investor • Sports • Music • Lazy fitness fanatic • I tweet without fear or favour • Olympic commentary from my couch 🎙️📝 • Proudly South African 🇿🇦
Cape Republic
Joined March 2017
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Pinned Tweet
Start saving today and secure your future. Be it December mgidi, an international trip, varsity fees or a deposit for a car
#2024SavingsChallenge
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I’m sure the ANC MPs haven’t slept. Imagine losing your million Rand job in real time 🙆🏾♀️ free housing, free transport and other perks gone just like that.
I can’t believe I’m experiencing this in my lifetime.
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Please do not withdraw a portion of your retirement funds as per the new law. Any withdrawals will be taxed at your marginal tax rate. By withdrawing you will lose the future compounding growth of that money and you could be worse off in retirement.
PRESIDENT RAMAPHOSA ENACTS LAW ALLOWING EMERGENCY ACCESS TO RETIREMENT FUNDS
President
@CyrilRamaphosa
has signed into law the Revenue Laws Amendment Bill of 2023, which establishes a “two-pot” system that gives members of retirement funds access to retirement savings without
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You’re not paying the beneficiary, you’re not abiding by a court order, you’re breaking client confidentiality, you’re breaking several laws i.e. POPIA and Pensions Fund Act and you’re admitting to lackadaisical internal processes.
What is the purpose of this “press statement”?
Old Mutual sets the record straight on the Molefi Complaint:
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Before spending your money on Takealot, check the historic price by visiting paste the url of the item in the search bar or type a detailed description.
You’re welcome ☺️
The biggest sale of the year is back. Don't miss your chance to shop EARLY ACCESS to the hottest Blue Dot Sale deals at Black Friday prices!
#TakealotBlueDotSale
𝗟𝗜𝗞𝗘 ❤️ or 𝗥𝗘𝗧𝗪𝗘𝗘𝗧 🔁 to be the first to shop deals from all your favourites. 🔵📦⚡️
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Would you believe me if I told you that the same government which closed nursing and teaching colleges is celebrating the opening of nursing colleges 😏
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@EMukumbo
I did my MBA at Wits. They have a brilliant pool of lecturers, including internationals and business leaders.
I got a promotion before I completed. I’m earning multiple times what I paid for the MBA, granted it wasn’t R300k then.
A Wits MBA is worth the money, I’m living proof.
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@SundayTimesZA
A woman was brutally murdered in her home. Her child and husband were injured in the attack and this is your headline.
Appalling journalism!!
@SAEditorsForum
@PressCouncil_SA
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We need a team of attorneys to file a defamation of character and harassment lawsuit against Mybroadband and it’s associates. They are sullying Makate’s name and using the PCM case as clickbait, it shouldn’t be happening and we need to stop it through legal means.
Whether or not Nkosana Makate is the true inventor of Please Call Me is irrelevant, Barnard Inc. intellectual property and contract law experts have told MyBroadband.
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Let’s not mislead people, there are 2 Cape Towns.
The Cape Town for the haves is clean, safe and flourishing. The Cape Town for the have-nots is filthy, miserable and a den of crime and gangs.
The whole country could be like Cape Town if you just vote correctly on the 29th May. Let’s go to the polls South Africa!🫡🇿🇦
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Capitec has reduced their immediate payment fee to R7.50 while FNB is still boldly charging R45 👏🏾👐🏾
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@karynmaughan
@AldrinSampear
No ways Karyn, you should have kept this to yourself.
I’ve experienced my father’s diabetic lows first hand, not once did he swear or mistreat anyone.
A racist does not need an excuse to be vile and bigoted. Belinda Migor is a racist, this time she was caught red handed.
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@noksy_k
Save for 12-18 months while searching for the perfect property.
Build up a good credit record.
Have at least 10% for a deposit.
Negotiate the interest rate, try get close to prime, shop around.
Pay all fees upfront, do not add them onto the home loan.
Pay extra every month
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You’ve seen people sharing screenshots of their portfolio gains and dividend payment notifications.
You’re intrigued but you still don’t know what this investing thing is or how to get started.
An ETF (Exchange Traded Fund) is probably the best place to learn.
A thread… 🪡
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Today we’re going to cover the basics of investing, Investing 101.
If you are new to investing or have been investing for a while but you’re still unsure about what’s going on, this thread is for you.
🧵🪡
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@fcfortune
You’re a great mom Farah 🤗 you’ve created a culture of mutual respect, trust and safety. I was never allowed out that late, when I faced difficult situations I couldn’t trust my parents to understand and not scream/judge which had a negative impact in building my self esteem.
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@TinyikoNgobenii
Honestly Tinyiko, even people who don’t or can’t save should spoil themselves every once in a while. We should stop setting these absurd standards for people.
Share how people can start saving or increase their savings rate but stop judging them for their decisions.
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I felt it safe to post this now as most people are offline to finish their bevs before 21:00 🥂
This is my progress so far towards my personal savings challenge for 2021 🏦💰💰
#FinancialFreedom
here we come 💪🏾
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@tylerperry
Hmm 🤔 Obama is not a descendant of slaves… his dad is Kenyan and his mom is white (probably a descendant of slave owners).
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It’s impossible to find a savings account or fixed deposit with a 15% or 17% return (interest rate) but you 🫵🏾 are buying cars at 15% to 17% interest rates. Weitsi I’m disturbed 😟
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July 2023 was my biggest dividend month ever, total dividends of R29 726.14 🤩 A result of some calculated risks and a bit of luck over the past few years.
My advice; read (conduct due diligence), keep investing and be patient.
#DividendsAreAddictive
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@hiltontarrant
These stats have been like this for some time. The definition of middle income needs to be reviewed. We are talking about a take home of R12k-R30k pm, an average food basket of R4.5k pm and rising, high transport costs, high debt levels etc. Cost of living is rising weekly.
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Cars are expensive in this country. When did an entry level crosshatch start going for R500k 🤨 Why are we allowing this as consumers?
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I started taking investing seriously in 2018. I had been investing with Allan Gray (AG) and ETFSA for a few years and also participated in the initial MTN Zakhele BEE share scheme. But I wasn’t really budgeting or tracking my investments and savings until the beginning of 2018.
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@hiltontarrant
This is the most recent household income segmentation I could find (I can’t find a more recent update).
To be fair R180k-R500k pa is emerging middle class. Actual middle class starts at R631k pa.
Realistically R180k pa is poor, there’s no other appropriate definition.
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If we don’t get rid of the ANC in 2024 South Africa will continue to deteriorate. Look around you, 2 in 3 young people are unemployed and may never be employed. Stage 6 loadshedding will become stage 10 and soon we’ll have electricity for 2.5 hours a day. Forget economic growth.
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I was reviewing my dividends for Jan 2023, dividends received amount to R10 102.70
Total dividends for 2021 were R12 966.37
Total dividends for 2022 were R32 217.94
In Jan 2023 I received almost as much as the whole of 2021 and a third of 2022
#DividendStockvel
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@Phislash
@Joli_inkomo
It’s a 24/7 prostitute. You pay them to only sleep with you and you can find them at home no matter the time of day unlike a street corner prostitute.
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@Cphosethu_N
@Linda_Khuz
“Rich” kids do not attend Curro. They go to Michaelhouse, St John’s, St Mary’s, Hershel, Grey etc. Curro is targeted at the middle class parents.
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Please do not listen to the Gauteng Premier regarding NHI.
NHI is not yet law, even if the president signs it into law before 29 May 2024 you cannot go to any hospital you want any time you want.
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I don’t like to rain on people’s hustles but charging R450 for helping someone create a vision board sounds like a scam to me.
Canva is free. There is a large amount of free or low cost information on goal setting.
Hustle respectfully and charge fair prices.
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I still believe DSTV is missing an opportunity by not selling pay-as-you-watch sports package for tournaments such as the Rugby Championship. It makes no sense for one to pay R1000 a month to watch a few channels and even then, only during certain months of the year.
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Parent twitter 📣
Please do not invest in a Wealth fund, Education policy or vague investment for your kids.
These types of policies often have high fees and low returns (growth). Your money will not grow and will have less buying power in the future due to fees and inflation
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Current prime interest rate is 11.75%, please don’t accept a car at 16.06% interest rate. Let alone over 96 months.
Please negotiate the service delivery fee and don’t finance it, R6 550 is madness.
Imagine paying R571 200 for a (depreciating) car worth R299 000.
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@__Ayabulela
I’m so sorry that you went through this Lala.
My bank sent this email the other day, to raise awareness about cellphone snatching:
I hope this helps someone
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The swift passing of the NHI Bill by parliament and the sudden over supply of electricity tells me that the ANC’s election campaign is underway.
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Don’t underestimate the power of reading. It stimulates the mind and opens doors that may not seem possible in reality.
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@David_Gabaocoe
@LesegoAries
Why do girls do this 😡 immature girls do this, women don’t do such vile things.
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In case you don’t yet know, saving is important because it gives you security for life’s unplanned and unexpected events.
Saving is for short or medium term financial goals.
A thread 🧵 of a few
#SavingsChallenge
to help you get started 👇🏾
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Unpopular opinion - you do not need 7 sources of income to be wealthy. You need 3 or 4 constant income streams.
My sources of income are;
9-5 Salary
Dividends from investing
Interest from savings and interest from staking crypto
Rental income
What are your sources of income?
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If you are 25 yo and you start investing R500 per month at an average return of 10% per year, it will take you 29 years to get to R1 million.
It will take you an additional 7 years to reach R2 million.
It will only take you an additional 4 years to reach R3 million 🕳 🐇
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I am a product of a low-income family, born and raised in a township. I am proud of my roots because my background played a big role in moulding me into the person I am today. Growing up I did not know that we were low-income nor that there were levels to this thing.
A thread🧵
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The whole Thabi situation breaks my heart because how many of her fellow board members have a PhD? How many have a Master’s, let alone a Master’s from the London School of Economics!?
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Sometimes I wonder how rich I would be now if I knew about investing 10 years ago 🤔 And then I ask myself if I would have listened...🤷🏾♀️
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My main goals in life are to make my family comfortable , maximise my wealth and to buy myself time to enjoy life 🤩
What are your goals?
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I’m still shocked that cell phone contracts go up to 36 months now. In 36 months most of these phones are obsolete and there’s 2-3 new versions of your phone. Kudlalwa ngabantu.
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@SeamogeloG
Your relatives are worse. That won’t happen here, if you don’t talk to me I don’t cook nor dish up for you.
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Let’s be honest, being poor is expensive 😒
Most things are expensive relative to your salary; food, essential goods, clothes, shoes, rent, rates, transport etc.
You cant buy in bulk to benefit from a lower per unit cost, you may not even have space to store those bulk items.
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Growing up ko kasie, we used to celebrate anyone who was accepted at College or Varsity, when someone got a “good” job, we ululated and sang when someone bought a car.
In the age of social media the celebrations are online. Be proud and celebrate your hard-earned achievements ✨
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My car is 9 years old. Serviced regularly. I’ve replaced a few worn out parts and they were affordable. Buying cars every 3 years is expensive and unnecessary, it hinders wealth creation and preservation.
Buy a car, pay it off within 48 months and drive it for 10 years.
A car should be changed after how long for a newer model?
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In this thread I’m going to break down medical aid. I’ll call this Part 1 of the healthcare series.
Disclaimer: I do not work for a medical aid scheme or administrator. I have no affiliation to any medical scheme or administrator.
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Beware of lifestyle creep.
This is the feeling that you 𝐦𝐮𝐬𝐭 upgrade your car, clothes and lifestyle to keep up with or impress people.
If you get a bonus or salary increase, maintain the same standard of living. Create a buffer between your monthly income and expenses.
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@SkyNews
Dogs have never ever been livestock!! Can they also stay away from bats, pangolin, eels, snakes, cats and other creatures that should not be eaten.
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Things I love 😻 seeing people decimate bad debts, seeing people earning dividends and seeing people becoming financially literate 🚀💸💸
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The SA Reserve Bank has kicked off a period of increasing interest rates. Repo rate up by 25 basis points to 3.75%. Prime lending rate up to 7.25%.
Your banks are already drafting their letters to you 👩🏾💻 📧
Buckle up for more interest rate hikes in 2022 😬
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@LoveAsandies
Advocate Pinky reporting for duty, please cease and desist from making false accusations about my client.
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I get asked about dividend investing quite often. I’m going to do a thread that will hopefully simply what this means.
#Dividends
#FinancialFreedom
A thread 🧵
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The first episode of Seven Figures + is now available, I hope you enjoy it ☺️ Please listen 🎧 and share with friends & family 💗
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The truth is that lifestyle creep is inevitable. As you earn more your taste will evolve, you’ll also want to satisfy your inner child.
I think the trick is keeping lifestyle creep to a minimum instead of avoiding it completely. You deserve nice things once in a while.
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#SAFinTwitter
is a place where we learn, share, cry, celebrate but most importantly we break the bonds of financial illiteracy and build generational wealth 💰💰💰
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@Eskom_SA
One day we’ll get one last update that the entire grid has tripped and cannot be restored🤞🏾
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The results of belittling others instead of focusing on your business. Altvest incurred R36,9m in losses for FY23.
Koshiek Karan has tendered his resignation from the position of Executive Chairman and member of Altvest Capital’s board of directors - effective 21 July 2023
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In 2019 I was earning dividends every quarter.
In 2020 I took a conscious decision to earn dividends every second month.
In 2021 I made sure that I earn dividends every month.
For 2022 and 2023 I want to earn 4 figure dividends per month.
#DividendStockvel
#FinancialFreedom
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Investors 📣
It doesn’t matter if you have ¼, 1, 2½, 14, 100 or 1000 shares.
What matters is that you are investing. You are actively working to create wealth, passive income and a financially brighter future for yourself and your family.
#FinancialFreedom
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@ArtistSenzeni
I missed that, the same Gweezy who benefitted from Bosasa funded security upgrades? 👏🏾👐🏾
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Fam, there are two things I would like to achieve in the coming few years;
1. Share more knowledge about eliminating debt and building wealth
2. Assisting youth to choose career paths with job opportunities worldwide, getting more involved in youth development initiatives
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Read, pick up a new skill, complete a puzzle. Do something to exercise your brain and prevent such asinine thoughts.
If slavery was reinstated and you had to choose one white people to be your master who would you choose
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School prize giving tomorrow during work hours. Guess what 😁 I’m taking a half day. What a nice inconvenience.
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Fam, this interest rate cut does not mean take out more debt. It’s an opportunity for you to reduce debt and get it out of your life permanently.
Remember that interest rates will rise again. Work towards being debt free when they do.
#FinancialHealth2020
#FinancialLegacy2020
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@chatlas
“These are true emotions” 😂😂🤣🤣🤣 when SIU has you by the throat you’ll try all kinds of antics
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Just dropping by to remind you to never use your tax free savings account (TFSA) as an emergency fund or savings account. The TFSA is your retirement money.
There’s an annual limit of R36k per tax year and a life time limit of R500k per person.
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It’s the last day of the month, it’s also my dad’s born day ❤️ 🎁 To celebrate I’m giving away 2 EasyEquities vouchers worth R500 each 💵
The rules;
-Follow me on Twitter
-Have an EasyEquities account
-Listen to my podcast, rate and review
-Winners announced tomorrow at 3pm
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Thank you
@lawseed
for reminding us about our
#SavingsChallenge
I started the “2021” savings challenge in October last year. The reason is I don’t like starting things in January.
Frame 1 Target 🎯
Frame 2 Reality 🤩 (I was adding a little extra)
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@MasechabaNdlovu
@robertmarawa
@NathiMthethwaSA
Masechaba thank you for addressing this. However your tone and overall demeanour are uncalled for.
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Fam, Makhadzi is on CNN African Voices Changemakers 🙌🏾🙌🏾 That is a serious achievement and acknowledgement to her hard work. That is Black Excellence!
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In SA is there a venture capital market for entrepreneurs/start-ups seeking R0-R50k in seed funding 🤔
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Ladies and gents, would you be interested in a series of tweets (some threads as well) that covers the A-Z of Personal Finance? Please comment and provide suggestions. Thank you for engaging 🙏🏾
#FinancialHealth2020
#FinancialLegacy
#FinancialIndependence
#DebtMustFall
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@YoungIn45731575
please send me your details. I’m sending you a R1000 EE voucher this morning.
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Medical aid is a very emotive topic.
Some medical scheme options are quite complex, options within the same medical scheme may have different rules and different benefit structures across medical schemes make it difficult compare the many options on offer.
A thread…🧵
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My employer wants to make it mandatory to declare all financial interests including personal share holdings and income from rental properties. The expectation is annual or biannual declarations. Abanyi perhaps 😕 I’m okay with declaring actual conflicts of interest.
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I’ve recently been on the difficult end of a bereavement and I can tell you that funerals are expensive. Black families do not make funerals expensive, rather it’s the funeral parlours and their costs.
Trigger warning ⚠️
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@EMukumbo
I paid for myself. When I applied the cost was about half my annual salary. I earn that in a few months now.
The networks helped a great over the years and will continue to help me. The friendships I built can never be destroyed.
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Don’t sleep more than 8 hours if you don’t have R50k in your savings account.
Don’t comment on tweets if you don’t have R264k in your rainy day fund.
What other ridiculous money tweet have you seen on these streets?
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@DrZweliMkhize
Minister we appreciate the work you and your team have done and continue to do. May I humbly request that the same format be used for the daily report. The format used on 24 April is more detailed and is preferred. Thank you 🙏🏾
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Investing is addictive once you start seeing results 🤑
More and more people are celebrating and sharing their dividends and portfolio movements monthly.
Ke thabile haholo 🙌🏾🙌🏾 A re tsoeleng pele ✨
#BuyShares2021
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Fam, it’s pay week for most of us. If you are not saving between 10-15% of your salary please put 10% of your salary in a savings account as soon as it hits your bank account.
Forget about that money. Live the rest of the month on what’s left.
#FinancialLegacy2020
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@ms_tourist
Results of corruption, porous borders, lackadaisical policing and lack of of consequences for crime.
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Good morning investors 😊 I greet you all in th name of dividends 💰💰
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